The worst possible customer service line I have ever experienced in AU. I am supposedly a Platinum customer as it says on my card. Everytime you call you have to wait for more than 30+ minutes. Feels like they only have 1 customer support rep working at a time and that too works out of India or Phillipines.

I have had this card for over a year and pay it off every month, no issues but have never needed to contact them. This month's statement had a mistake - direct debited me twice. I have been trying to contact them for a week and unable to get through to their customer service via phone. Live chat is useless, automated answers only. Will be cancelling

Don’t waste your time, hopeless customer service and stupid credit scoring process. When are these companies going to start accessing applications properly. No questions to your saving history or assets, only interested in approving these cards for potential customers who can’t afford to pay off the balance by the due date.

You don’t met our criteria, what criteria have long term job earn over $100k with company vehicle, have more than $1.7 million in property, although can”t be approved for a $3 card absolute joke.

I contacted Coles Mastercard by live chat to find out how to lodge a dispute on a transaction. All I got was no help answers and lectures on resolving it with the company charging the card or the ACCC. If you want help with your Coles Credit Card, good luck because they don't care at all and will pass the buck every chance they get, even blaming me, the customer!

I used my Coles credit card to pay our annual rates of $1700 but did not get a single Flybuys point. I have tried contacting Flybuys who passed me on to Coles but phone contact was impossible so sent them an email via their site. They promised a reply within a day or so but a week later - nothing!! Other times when I have accepted an offer for reductions on petrol, it never works either- just gives me points even though I have requested cents off. Another gripe:- they will not increase my credit of $2000 without seeing our last three months bank statements. Surely a record of ten years always paying ahead of time is enough?

Believe it or not the catchy jingle was the reason i signed up to this card, it was stuck in my head and eventually i went to the site and read up about it and i was sold! No annual fee was a big sell point for me, plus at the time i signed up i got a $100 off my shop bonus. I like how flybys is integrated however i don't really purchase grcerys on credit so doesn't benefit me too much.

I enjoy using it due to flybuys points I can accumulate however it is an effort to have the passwords reset with customer care. I did reduce the limit on the credit card sometime ago and that was easy. Overall, it's allright

I came across this credit card few years ago while searching the internet for no fee credit card without any ongoing fees and charges for my everyday shopping. The process to apply was straightforward and customer service was excellent. Additional bonus was the $100 off my first shopping at Coles. I've had this card for 5 years now and I couldn't be more satisfied with it. I would definitely recommend it to anyone who wants a credit card with no ongoing fees for everyday spending.

I have had this card for number of years and things i love about it, being able earn flybuys points, flybuys card intergrated, most importantly no annual fees. The customer service is friendly i notify them im travelling overseas.

Love that it has no annual fee. Really hate telemarketing calls with a passion! Have not yet found a way to stop these as companies you have a relationship with often do not give you a way to opt out.

We are using this card as we shop at coles for grocery every week. No annual fees for us which helps in terms of saving. In my previous cards, i have to pay annual fees of $250.

though I don't use it overseas but I have a plan for the next trip.
so easy to transfer a balance after use.
I am satisfied with the rewards available.
it is easy to accumulate points and is it simple to redeem them in coles. love it

Been using it for some time. Main card for daily and online shopping. Good because no annual fee and earn some extra flybuys point to redeem as money which is nice. Better than using debit card I would say. Lately it starts accepting by applypay and Samsung pay. Which is much more convenient.

No fee, and still earns Flybuys points. This is good for someone who doesn't spend much like me. 55 Days interest free, which is longer than other cards I have. Good with Apple Pay. And I like the Coles Mobile Wallet App, which helps me to keep track of the purchases.

Hi, Coles no annual fee master card is must for your day to day shopping. I got this card based on my friend recommendation and since using it. No issues so far. No annual fees which is awesome plus one get extra points

I've had this credit card for 5 years now and I can honestly say that this is by far the best credit card I've had in my life. Not only did it come with $100 off my first shopping at Coles, but I was able to accrue flybuys points for all my future shopping. And the best thing is it has no ongoing fees and charges!!! Customer service is always knowledgeable and do the best they can to address your queries. I would definitely recommend to everyone that needs a no frills credit card!!!

If you need a card for everyday shopping, this is the card that you should get in Australia. I compared all other no annual fees card and this is the only MasterCard that no annual fees but still give you reward.

And best of all, I shop a lot at Kmart and Coles, it give you more fly buys point.

Bought this card for the extra reward points on purchases spent outside coles. They aren't much but every point counts. Website design is better than most credit cards although functionality wise i think some areas could do better. Only reason i rate it 4 stars is because they dropped the price protection feature.